Terms and conditions

General

These are the terms and conditions which apply to your subscription to Fleet Street Publications Limited publications (both free and paid, online and hard copy), and your use of the websites provided by Fleet Street Publications Limited (“us” or “we”), including the website, discussion groups and other public forums (the “Services”).

By using or purchasing our Services you agree to be bound by these terms and conditions and they shall constitute the entire agreement between you and us (the “Agreement”).

If we change our terms and conditions, we will notify you of those changes here.

If there is anything you do not understand or you have a query please feel free to email your enquiry to us at cs@f-s-p.co.uk, or contact our customer services department on 020 7633 3600. Their opening hours are 9am to 5.30pm Monday to Friday (9am to 2pm Wednesday), excluding public holidays. Please note that calls may be recorded and monitored to help improve our services.

Fleet Street Publications Limited is registered in England and Wales with company number 1937374, and VAT number GB629 7287 94.  Our registered office address is 8th Floor, Friars Bridge Court, 41-45 Blackfriars Road, London SE1 8NZ.

FSA Regulation

Fleet Street Publications Limited is authorised and regulated by the Financial Services Authority (FSA registration number 115234 – for more information see www.fsa.gov.uk/register/home.do).

Products which are regulated by the FSA fall within the scope of the Financial Ombudsman Service and the Financial Services Compensation Scheme.

Full details of our complaints handling process for regulated services are available on request to customer services or by clicking here.   If you are dissatisfied with our handling of a complaint relating to one of our regulated services, you may be entitled to refer the matter to the Financial Ombudsman Service (for more information see www.financial-ombudsman.org.uk). 

In the event of our insolvency, you may be entitled to compensation from the Financial Services Compensation Scheme in relation to money we owe you in respect of the provision of our regulated services (for more information see www.fscs.org.uk).

Our regulated Services will provide you with advice on investments and we may also facilitate arrangements for you to act on our published advice.  In providing this service, we will treat you as a retail client for the purposes of FSA rules. 

The advice we provide is published generally, is not personal to you and does not take account of your personal circumstances.  We do not assess the suitability or appropriateness of any investment in light of your personal circumstances, including your knowledge and understanding, financial strength, tax liability or appetite for risk. 

If you need guidance as to how to interpret our advice in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional.  You should also interpret our advice in light of the risk warnings that are contained within it.

Paid for Services

Special Offers, Free Trials, Refunds

All prices quoted are inclusive of applicable taxes and delivery costs.

Free trials and special first year price offers are only available to those who have not previously subscribed and are limited to one subscription per household.

We offer a free trial period for our own subscription products. If you are not completely satisfied with your product, you can cancel your subscription during this period and any payment taken from you will be refunded. After the free trial period we also offer a pro-rata refund during the term of your subscription. This means that, at any time, you can claim a full refund on the unexpired part of your subscription. For Alliance services the pro-rata refund period runs for the first year only.

From time to time we promote other companies’ products.  Whilst we encourage our partner companies to offer as generous a refund policy as we do, their refund policy may differ, so please ensure you check their refund policy before ordering.

Confirmation of Your Order

If you order one of our own Services, within two working days of your order you will be sent an email which confirms receipt of your order. It will not contain the payment details provided by you.

In the event of any non-authorisation of your payment, a customer services representative will contact you by telephone (if you have supplied your number) or by email or letter to check the details you have supplied, and re-try the authorisation process. Again, if we contact you by email or letter, our correspondence will not contain any payment details.

Registration

If you wish to have access to subscriber-only services and unrestricted access to the subscriber-only content of the website, you will need to subscribe with us.  When you subscribe you will be required to provide certain personal information.  That information must be true, accurate, correct and complete, and you must notify us immediately of any changes to that information.  If you post comments you will be required to provide us with your email address.

You agree that you will not impersonate any other person or entity or use a false name or a name that you are not authorised to use.  You also agree not to disclose your password or user name to any other person, or allow your password or user name to be used by any other person to access the Services.

We reserve the right to decline any application from you to subscribe as a user of the Services. If you are accepted you will be able to choose a user name and password. If you are allowed to select a user name, we reserve the right to modify it or provide you with a user name of our choice if, in our sole opinion, such user name infringes or violates the rights of any person or third party or is defamatory, offensive or is in any other way improper or inappropriate.

We reserve the right to terminate your access to the Services (including subscription services) if any information you provide is untrue, inaccurate, out-of-date or incomplete, or if we believe that you have breached these terms and conditions.

Ending a subscription

We are entitled to terminate your paid or unpaid subscriptions at any time without notice.  Provided you have not breached these terms and conditions, if we terminate a paid subscription we will refund the unused portion of your subscription fee.

Copyright and Trade Marks

Copyright in all information, text and images featured in the Services, is owned by or licensed to Fleet Street Publications Limited (the “Our Content”).  Provided that you acknowledge us as the source of the information, you are entitled to save or download one copy of any of the Our Content for the purposes of reference, but you are not entitled to make any further copies of the work.

All property rights remain with us. Other than as provided in these terms and conditions, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, or use for any public or commercial purpose any of the Our Content without our prior written permission.

Red Hot Penny Shares is a trade mark owned by Fleet Street Publications Limited.

Reliance on Content

Information in our unregulated Services is for general information only and is not intended to be relied upon by users in making (or not making) specific investment decisions. We try to ensure that the content of our unregulated Services is up to date and accurate, but we do not guarantee the accuracy and currency of the information. 

The information and opinions expressed do not necessarily reflect the views of each of our contributors.  We acknowledge differences in opinion and welcome the exchange of different viewpoints.

We do everything in our power to ensure that our websites are fully operational and available to you at all times. However, in order to make sure they are up to date and offering you the best service, on rare occasion access may be interrupted or restricted to allow for maintenance or the introduction of new facilities and services.

Links to sites that may interest you

We may provide links to other websites owned by us or associated companies. We may also provide links to third party sites. Some of these links may generate revenue for us at the time are clicked on or if someone subsequently uses the services of that third party. All links are provided because we think they may be of interest to you. We do not endorse or recommend any third party sites, and our editorial is not influenced by the fact that a link may or may not generate revenues.

Other

The failure of by us to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. The section titles in these terms and conditions are for convenience only and have no legal or contractual effect. This Agreement operates to the fullest extent permissible by law. If any provision of this Agreement is unlawful, void or unenforceable, that provision is deemed severable from this Agreement and does not affect the validity and enforceability of any remaining provisions.

This Agreement shall be governed by and construed in accordance with English Law and you hereby agree to be subject to the exclusive jurisdiction of the Courts of England.


Last updated January 2012.